Niraj Kumar Head of Global Transaction Banking, United Arab BankNiraj Kumar currently heads the Global Transaction Banking business at United Arab Bank in the UAE. He bring over two decades of experience in Cash Management, Trade Finance and Supply Chain Finance across both conventional and Islamic banking. Niraj has been instrumental in establishing the Factoring and Supply Chain Finance businesses at Noor Bank, and prior to that, he held key product roles at Emirates NBD, ICICI Bank, and HDFC Bank. Niraj has helped build and scale working capital solutions, with a strong focus on digital transformation and client-centric innovation. He is also FCI-certified in international factoring and passionate about driving thought leadership in the evolving world of transaction banking. Niraj is passionate about technology and in his free time, pursues his hobby in photography. Webcastings MENASCF24 Niraj Kumar, Head of Global Transaction Banking, United Arab Bank